To be honest, I was with Netbank for about a year (2001) and I thought they were horrible. I had an account with compubank (which was great!), and then they were bought out by Netbank. I had mainly three issues with Netbank. First, they were very slow depositing checks into my account (at least 10 days from when I sent them in). Second, there interest rates were very low at the time relative to other online checking accounts (not sure about this now). Third, they don't pay for your ATM withdrawals. Both Compubank and First Internet Bank of Indiana (who I'm with now) pay up to $6/month in ATM fees. From my experience there are better online banking products that are also less costly than Netbank.